At a glance
From its website, read 2 Nov 2026COMMUNITY CONCEPTS FINANCE CORPORATION is a loan fund based in South Paris, Maine. Its website describes microloans, home mortgages and small-business loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (207) 333-6419 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.ccfcmaine.org |
| Office (official list) | 17 MARKET SQ, South Paris, ME 04281 |
What their website says about applying
Contact us today to apply for a Small Business Loan.
sourceYou will need to provide financial statements dated within 90 days of the date of your application.
sourceFiled Tax Returns for the last three years, or years in business.
sourceto register for classes, apply for a loan, and connect with our certified staff to learn more.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 17 MARKET SQ, South Paris, ME 04281 Directions (Google Maps) |
| Website | www.ccfcmaine.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts for CCFC's own products are not stated, and the microloan offering is inferred from a page-3 article. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | Community Concepts Finance Corporation is such a lender. | source |
| Home mortgages | — | Welcome to the best way to find a home loan! | source |
| Small-business loans | — | Contact us today to apply for a Small Business Loan. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
To encourage, stimulate and promote housing development and homeownership within Maine targeting low income families
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. to register for classes, apply for a loan, and connect with our certified staff to learn more.
source
Pages read (7)
- https://ccfcmaine.org/
- https://ccfcmaine.org/service/personal-finance-resources/
- http://ccfcmaine.org/service/personal-finance-resources/
- https://ccfcmaine.org/2023/05/09/prepare-to-apply-for-your-small-business-loan/
- https://ccfcmaine.org/service/housing-counseling/
- https://ccfcmaine.org/service/business-resources/
- http://ccfcmaine.org/service/business-resources/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$529,589 in 3 awards from the U.S. Treasury's CDFI Fund, 2001–2013 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2013 | CDFI Program, Technical Assistance | $83,385 |
| 2011 | CDFI Program, Technical Assistance | $96,204 |
| 2001 | CDFI Program, Financial Assistance | $350,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Listed in the source as “Community Concepts Financial Corporation”. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $12.5M |
|---|---|
| Total liabilities | $8.1M |
| Net assets | $4.4M |
| Total revenue | $2.1M |
| Notes and loans receivable, net (Part X line 7) | $8M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 01-0540981, filed as “COMMUNITY CONCEPTS FINANCE CORP”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $13.2M | $4.5M | $1.6M | $7.2M |
| Sep 2022 (990) | $12.7M | $4.3M | $1.7M | $6.7M |
| Sep 2023 (990) | $12.5M | $4.4M | $2.1M | $8M |
Total assets fell 5% from Sep 2021 to Sep 2023; notes and loans receivable rose 11%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $12.5M | Larger than 20% of the 5 other certified loan funds and venture funds in Maine with a matched Form 990 (median $27.3M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Maine | 5 | larger than 20% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in South Paris and Maine
- Acadia Federal Credit UnionCredit union · Fort Ken, MEAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…Verified
- Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…Verified
- Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loansVerified
- MaineStream FinanceLoan fund · Bangor, MEHome mortgages, Small-business loansVerified
- Northern Maine Development CommissionLoan fund · Caribou, MEMicroloans, Small-business loansVerified
Work at COMMUNITY CONCEPTS FINANCE CORPORATION? Link to this page
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